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The 8 Best Credit Cards for Weddings and Honeymoons [2024]

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Weddings can be a wonderful time in your life — but they can also be expensive and complicated. Since a lot of couples pay for some or all of their wedding expenses, using the right card can help you stock up on rewards as you plan your special day.

But there’s not a single credit card that will work for everyone in every circumstance. To help you sort through all of the options, here’s a guide to help you find the best credit card for your wedding and honeymoon needs.

Whether you’re looking to earn lots of points on your flowers or some free nights for your honeymoon, this guide will walk you through it all.

What to Look For in a Credit Card for Weddings and Honeymoons

Planning a wedding or a honeymoon is an exciting activity, but it’s also a time when you’ll probably be spending large amounts of money in a small period of time. While your bank account might be taking a hit, this is a good time to take advantage of credit cards with the best credit card welcome bonuses that also tend to come with high minimum spending requirements.

While there are a lot of ways to hit the minimum spending requirement on a credit card, many people still find it hard to hit the requirement needed to earn a welcome bonus. So, when you have larger than normal purchases coming up, such as a ring or jewelry, a wedding dress, a photographer, or a florist, it’s a great time to consider getting a new credit card.

In addition, there are bonus categories that you will often see on rewards credit cards like travel, dining, and groceries.

However, lots of wedding expenses won’t fall into any of those categories, so it might be a great idea to find a credit card that offers bonus points on all purchases. These cards will make the most out of all of your wedding-related purchases, not just the ones that fit into a bonus category.

Since you will undoubtedly make some large purchases for your upcoming nuptials, you might want to consider a card that offers purchase protection, extended warranty, or return protection.

When you are planning a big trip like a honeymoon, it’s good to have some trip insurance just in case. The good news is that if you have the right credit card, you don’t have to purchase an additional insurance policy — your coverage is built into your credit card!

Overall, you should shoot for a credit card that:

  • Has an excellent welcome bonus for those big-ticket purchases
  • Offers bonus points on relevant categories such as travel or catering (or earns bonus points on all purchases without having to worry about bonus categories)
  • Includes travel insurance for your honeymoon itinerary or purchase protection for your wedding expenses
  • Incorporates travel benefits such as lounge access to make you and your newlywed spouse feel like a VIP when traveling on your honeymoon

The 8 Best Credit Cards for Weddings and Honeymoons

Card Summary

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CardBest ForWelcome Bonus and Annual FeeBenefits for Wedding and Honeymoon Expenses
The Platinum Card® from American ExpressWelcome bonus & lounge access
  • Earn 80,000 points after spending $8,000 on purchases in the first 6 months.
  • Annual fee of $695 (rates & fees)
  • 5x points on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year in these purchases)
  • 5x points on prepaid hotel stays booked through AmexTravel.com
  • No preset spending limit
  • Access to over 1,400 worldwide lounges, including Amex Centurion Lounges, Priority Pass (upon enrollment), and more
  • Luxury travel benefits including hotel elite status
  • Excellent travel insurance
Capital One Venture X Rewards Credit Card Welcome bonus and everyday purchases
  • Earn 75,000 miles when you spend $4,000 on purchases in the first 3 months.
  • Annual fee of $395 (rates & fees)
  • 10x miles on hotels and rental cars booked through Capital One Travel
  • 5x miles on flights booked through Capital One Travel
  • 2x miles on all other purchases
  • Hertz President’s Circle status
  • Trip cancellation & interruption protection
Chase Sapphire Preferred® CardWelcome bonus
  • Earn 75,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $95
  • 5x points on travel booked through Ultimate Rewards
  • 3x points on dining at restaurants including eligible delivery services and takeout
  • Excellent travel insurance
Chase Freedom Unlimited®Everyday purchases
  • Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
  • Annual fee of $0
  • 5% cash-back on travel through Chase Travel
  • 3% cash-back on dining
  • 1.5% cash-back on other purchases
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
American Express® Gold CardDining
  • Earn 60,000 points when you spend $6,000 on purchases in the first 6 months.
  • Annual fee of $250 (rates & fees)
  • 4x points at restaurants
  • 3x points on flights purchased directly with the airline or at AmexTravel.com
Chase Sapphire Reserve®Dining
  • Earn 75,000 points after spending $4,000 on purchases in the first 3 months.
  • Annual fee of $550
  • 10x points on Chase Dining, car rentals, and hotels booked through Chase Travel
  • 5x points on airfare booked through Chase Travel
  • 3x points on dining
Blue Cash Everyday® Card from American ExpressCash-back
  • Earn a $200 statement credit after spending $2,000 in purchases in the first 6 months.
  • Annual fee of $0 (rates & fees)
  • Earn 3% cash-back at U.S. supermarkets (up to $6,000 per calendar year)
  • Earn 3% cash-back on U.S. online retail purchases (up to $6,000 per calendar year)
  • Earn 3% cash-back at U.S. gas stations
Citi Double Cash® CardEveryday purchases
  • Earn $200 cash back after spending $1,500 in the first 6 months.
  • Annual fee of $0
  • Earn 2% on every purchase with 1% cash back when you buy, plus an additional 1% when you pay for those purchases

The Platinum Card® from American Express

BEST LOUNGE ACCESS
The Platinum Card® from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

The Amex Platinum reigns supreme for luxury travel, offering the best airport lounge access plus generous statement credits, and complimentary elite status.
Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on the Card in your first 6 months of Card Membership.
80,000 points
$1,760
$695
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cards that offer top-notch benefits, you’d be hard-pressed to find a better card out there than The Platinum Card® from American Express.

Make no mistake — the Amex Platinum card is a premium card with a premium price tag. With amazing benefits like best-in-class airport lounge access, hotel elite status, and tremendous value in annual statement credits, it can easily prove to be one of the most lucrative cards in your wallet year after year.

Pros
  • The best airport lounge access out of any card (by far) — enjoy access to over 1,400 worldwide lounges, including the luxurious Amex Centurion Lounges, Priority Pass lounges, Plaza Premium Lounges, and many more!
  • 5x points per dollar spent on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year)
  • 5x points per dollar spent on prepaid hotels booked with AmexTravel.com
Cons
  • $695 annual fee (rates and fees)
  • Airline credit does not cover airfare (only incidentals like checked bags)
  • Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
  • Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
  • $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
  • $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
  • The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
  • $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
  • $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
  • $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
  • $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
  • Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
  • Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
  • Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
  • $695 annual fee.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 125k (or 150k) points with the Amex Platinum. The current public offer is 80,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Platinum card offers legendary prestige, amazing travel benefits, and one of the biggest welcome bonuses in the business.

These are all fantastic reasons to get this card for wedding and honeymoon purchases. To start off, you can expect to earn 5x Membership Rewards points as follows:

  • 5x points on flights purchased directly with the airline or with AmexTravel.com (up to $500,000 per year in these purchases)
  • 5x points on prepaid hotel stays booked through AmexTravel.com
  • 1x points on all other purchases

Even though the bonus rewards are based on travel-related purchases, you can also enjoy some amazing benefits with this card, including:

The Amex Platinum card even comes with no preset spending limit, purchase protection, extended warranty, cell phone protection, and high-end travel insurance. Lastly, you won’t find any foreign transaction fees (rates & fees) on this card.

Why We Like Earning American Express Membership Rewards Points

American Express Membership Rewards is one of the best rewards currencies out there. We value these points around 2.2 cents each, which essentially translates to an 11% return on spending on purchases that earn 5x points.

To get the best value possible, you should transfer your points to the Amex transfer partners to book award travel. In some cases, you can get more than 5 cents per point of value, which could skyrocket your total return on spending to 25% for purchases earning 5x points.

Other ways to use Amex points consist of cash-back, charity, AmexTravel.com bookings, gift cards, merchandise, and statement credits, but we generally don’t recommend these methods.

Capital One Venture X Rewards Credit Card

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)
The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.
75,000 miles
$1,350
$395
19.99% - 29.99% (Variable)
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-840)

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

 

Pros
  • 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
  • 5x miles per $1 on flights purchased through Capital One Travel
  • 2x miles per $1 on all other purchases
Cons
  • $395 annual fee (rates & fees)
  • Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status
  • Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
  • Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
  • Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
  • Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
  • Earn unlimited 2X miles on all other purchases
  • Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
  • Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
  • Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more
  • Receive up to a $100 credit for Global Entry or TSA PreCheck®
Financial Snapshot
  • APR: 19.99% - 29.99% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

Our runner-up credit card is the Capital One Venture X card, which offers some fantastic benefits with a lower annual fee price tag than the Amex Platinum card. Indeed, this credit card boasts a generous welcome offer as an initial infusion of rewards.

You’ll also notice the 10x Capital One miles in maximum rewards:

  • Earn 10x miles on hotels and rental cars booked through Capital One Travel
  • Earn 5x miles on flights booked through Capital One Travel
  • Earn 2x miles on all other purchases

This astonishing rewards structure is fantastic for wedding and honeymoon purchases. You can earn 2x miles on all other purchases to pay for wedding expenses like the wedding planner, dress, and venue while you can earn 10x miles on your honeymoon travel booked through Capital One Travel.

It gets even better; you’ll enjoy a $300 annual travel credit on Capital One Travel bookings, plus unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network.

Every account anniversary year, you’ll get a bonus of 10,000 bonus miles. On an ongoing basis, utilize the complimentary Hertz President’s Circle status, a TSA PreCheck or Global Entry application fee statement credit, and cell phone protection.

The list of benefits is wrapped up with return protection, extended warranty protection, no foreign transaction fees (rates & fees), and up to 4 authorized users for no additional annual fee (rates & fees)!

Why We Like Earning Capital One Miles

Capital One Miles is a leading rewards system. These miles can be transferred to travel partners for luxury award travel, making each worth around 1.8 cents per point.

And with a maximum earning of 10x miles, that’s equal to a return on spending of 18%, which could be even higher depending on how you use your rewards.

Other ways to use Capital One miles include Capital One Travel bookings, statement credits, gift cards, and online shopping.

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth over $900 when redeemed through Chase Travel℠.
75,000 points
$1,500
$95
21.49%-28.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Sapphire Preferred® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros
  • 5x points on all travel booked via the Chase Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
Cons
  • $95 annual fee
  • No elite benefits like airport lounge access or hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s over $900 when you redeem through Chase TravelSM.
  • Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase TravelSM. For example, 75,000 points are worth $937.50 toward travel.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Preferred card is an awesome product to keep in your wallet for your wedding and beyond, especially if you’re in the market for a card with a low annual fee.

This credit card excels with a fantastic welcome bonus and the ability to earn up to 5x Ultimate Rewards points:

  • 5x points on travel booked through Ultimate Rewards
  • 5x points on Lyft purchases through March 31, 2025
  • 5x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 3x points on dining at restaurants, including eligible delivery services and takeout
  • 3x points on online grocery purchases (excluding Target, Walmart, and wholesale clubs)
  • 3x points on select streaming services
  • 2x points on other travel purchases
  • 1x points on other purchases

The Chase Sapphire Preferred card comes with a 10% anniversary rewards bonus, $50 statement credit every account anniversary year for hotel stays booked through Ultimate Rewards, a 25% redemption bonus at the Chase travel portal and Pay Yourself Back, a complimentary DoorDash DashPass subscription, and more.

Hot Tip: The Chase Sapphire Preferred card will likely give you better rewards on dining than the Chase Sapphire Reserve® thanks to the 10% anniversary bonus.

Plus, this credit card offers some of the best travel insurance out there, as well as no foreign transaction fees and authorized user cards for no additional annual fee.

Why We Like Earning Chase Ultimate Rewards Points

Chase Ultimate Rewards points are some of the most popular and valuable out there. Worth 2.0 cents per point, earning up to 5x points would be equivalent to a maximum return on spending of 10%! That’s incredible from a card with a mild annual fee.

To get the most value from your Ultimate Rewards points, we recommend transferring them to the Chase airline and hotel partners to book luxury award travel.

If that doesn’t work for you, other ways to use points include Pay Yourself Back, bookings made through the Chase travel portal, cash-back, statement credits, gift cards, merchandise, and charitable donations.

Chase Freedom Unlimited®

Chase Freedom Unlimited®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel, 4.5% on dining and drugstores, and 3% on all other purchases.
Up to $300 cash back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.

Pros
  • 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • 5% back on travel purchased through Chase Travel
  • 3% back on dining and drugstore purchases
Cons
    • 3% foreign transaction fee
  • INTRO OFFER: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!
  • Enjoy 6.5% cash back on travel purchased through Chase Travel, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).
  • After your first year or $20,000 spent, enjoy 5% cash back on travel purchased through Chase Travel, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.
  • No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
  • Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
  • Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, alerts, and more.
  • Member FDIC
Financial Snapshot
  • APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
  • Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Rewards Center

Chase Ultimate Rewards

The Freedom Unlimited card is one of Chase’s most popular credit cards without an annual fee.

Although it doesn’t come with a massive welcome offer to offset wedding expenses, one of the top perks you might enjoy is the 0% introductory APR offer. That can help you avoid accruing interest fees if you need to carry a balance on purchases made for your wedding.

It also earns up to 5% cash-back:

  • 5% cash-back on travel through Chase Travel
  • 5% cash-back on Lyft purchases through March 31, 2025
  • 3% cash-back on dining and drugstores
  • 1.5% cash-back on other purchases

That means you can earn 1.5% cash-back on all of those miscellaneous wedding purchases like flowers, tuxedo rentals, and a DJ.

Best of all, the cash-back rewards you earn can be converted to Ultimate Rewards points if you also have the right credit card like the Chase Sapphire Preferred card. The rewards would be converted at a 1% to 1x ratio, which would double your return on spending up to 10%.

This credit card gets you access to a free credit score through Chase Credit Journey, purchase protection, extended warranty, basic travel insurance, and zero liability protection. There are also no annual fees for authorized users with the Freedom Unlimited card.

American Express® Gold Card

BEST FOR DINING
American Express® Gold CardTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This is the best card for food lovers who dine out at restaurants (worldwide), order take-out and want big rewards at U.S. supermarkets!
Earn 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months.
60,000 points
$1,320
$250
See Pay Over Time APR
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

The American Express® Gold Card is a game-changer.

With this card, you can earn 4x Membership Rewards points at restaurants and you’ll also earn 4x Membership Rewards points at U.S. supermarkets on up to $25,000 per calendar year in purchases, then 1x.

There isn’t another card on the market that offers a 1-2 punch like this. Of course, there are several other benefits of the Gold Card as well, including extra monthly dining rewards and more.

Pros
  • 4x points per dollar at restaurants, plus takeout and delivery in the U.S.
  • 4x points per dollar at U.S. supermarkets, up to $25,000 per calendar year in purchases; and 1x thereafter
  • 3x points per dollar on flights purchased directly from airlines or at AmexTravel.com
Cons
  • Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
Financial Snapshot
  • APR: See Pay Over Time APR
  • Foreign Transaction Fees: None
Rewards Center

American Express Membership Rewards

Hot Tip: Check to see if you’re eligible for a welcome bonus offer of up to 90,000 points with the Amex Gold card. The current public offer is 60,000 points. (This targeted offer was independently researched and may not be available to all applicants.)

The Amex Gold card is one of the best cards for weddings and honeymoons, especially if you plan on spending a lot on food.

Expect to earn up to 4x Membership Rewards points, plus an exceptional welcome bonus. The rewards are broken down below:

  • Earn 4x points at restaurants, including takeout and delivery in the U.S.
  • Earn 4x points at U.S. supermarkets (up to $25,000 per calendar year)
  • Earn 3x points on flights purchased directly with the airline or at AmexTravel.com
  • Earn 1x points on other purchases

Impressively, 4x, 3x, and 1x points are worth 8.8%, 6.6%, and 2.2%, respectively (according to our valuations).

Plus, the Amex Gold card has up to $120 in dining credits ($10 per month) at The Cheesecake Factory, Goldbelly, Grubhub, Milk Bar, select Shake Shack locations, and Wine.com.

It also comes with up to $120 in Uber Cash every year ($10 per month) for rides and Uber Eats orders in the U.S., access to The Hotel Collection, no preset spending limit, purchase protection, extended warranty, authorized user cards for no additional annual fee, no foreign transaction fees, and more (rates & fees).

Bottom Line: If you’re planning on spending a significant amount of money on food, you could see a huge ROI when using the Amex Gold card, thanks to its bonus rewards at restaurants and U.S. supermarkets.

Chase Sapphire Reserve®

Chase Sapphire Reserve®
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's worth $1,125 when redeemed through Chase Travel℠.
75,000 points
$1,500
$550
22.49%-29.49% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Pros
  • 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually
  • 10x points on Lyft purchases March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
Cons
  • $550 annual fee
  • Does not offer any sort of hotel elite status
  • Earn 75,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $1,125 toward travel when you redeem through Chase TravelSM.
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
  • Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase TravelSM immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase TravelSM. For example, 75,000 points are worth $1125 toward travel.
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority PassTM Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Member FDIC
Financial Snapshot
  • APR: 22.49%-29.49% Variable
  • Foreign Transaction Fees: $0
Rewards Center

Chase Ultimate Rewards

The Chase Sapphire Reserve card is the ultra-premium credit card offering for Chase loyalists. That makes it a great choice for honeymoon travel. Indeed, it has a great welcome bonus and a maximum of 10x Ultimate Rewards points earned:

  • 10x points on Chase dining, car rentals, and hotels booked through Chase Travel
  • 10x points on Lyft purchases through March 31, 2025
  • 10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
  • 5x points on airfare booked through Chase Travel
  • 3x points on all other travel and dining purchases
  • 1x points on all other purchases

That’s equal to a maximum return on spending of 20%, according to our valuations!

There are plenty of perks that pay for its annual fee, including:

Of course, our discussion of this credit card wouldn’t be complete without mentioning that it comes with purchase protection, extended warranty, and no foreign transaction fees.

Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American ExpressTerms Apply / Rates & Fees
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!

Learn More(at Amex's secure site)

Apply With Confidence

Know if you're approved with no credit score impact

If you're approved and accept this Card, your credit score may be impacted.

This cash-back card offers a capped 3% at U.S. supermarkets, 3% at U.S. gas stations, and 3% on U.S. online retail purchases!
Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
$200
$0
19.24%-29.99% Variable,0% on purchases for 15 months
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)

When it comes to cash-back credit cards, there are dozens of options to choose from. So what sets the Blue Cash Everyday® Card from American Express apart from the rest?

This card is excellent at earning cash-back on your everyday purchases at U.S. supermarkets, U.S. gas stations, and on U.S. online retail purchases. So if you regularly spend money on everyday purchases, this could be the perfect card to add to your wallet.

Pros
  • 3% back on purchases at U.S. supermarkets on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases at U.S. gas stations on up to $6,000 in purchases each year, then 1% back after.
  • 3% back on purchases on online retail purchases on up to $6,000 in purchases each year, then 1% back after.
Cons
    • Rewards are not flexible and can only be redeemed for cash-back. Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
  • Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months.
  • No Annual Fee.
  • Balance Transfer is back! Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 19.24% to 29.99% variable APR.
  • 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
  • 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
  • 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
  • Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
  • Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Everyday® Card. Enrollment required.
  • Enjoy up to $15 back per month when you purchase a Home Chef meal kit subscription (subject to auto renewal) with your enrolled Blue Cash Everyday® Card.
  • Terms Apply.
Financial Snapshot
  • APR: 19.24%-29.99% Variable,0% on purchases for 15 months
  • Foreign Transaction Fees: 2.7% of each transaction after conversion to US dollars.

The Amex Blue Cash Everyday card offers some great benefits if you’re looking for a card without an annual fee and need maximum payment flexibility for your wedding or honeymoon.

It also has the option of carrying a balance or paying in full every month, plus up to 3% cash-back:

  • 3% cash-back at U.S. supermarkets on up to $6,000 in purchases per calendar year (1% after that)
  • 3% cash-back at U.S. gas stations on up to $6,000 in purchases per calendar year (1% after that)
  • 3% cash-back at U.S. online retailers on up to $6,000 in purchases per calendar year (1% after that)
  • 1% cash-back on other purchases

Other card perks include statement credits for Home Chef (up to $15 per month, enrollment required) and eligible subscriptions to The Disney Bundle (up to $7 per month when you spend at least $9.99 per month, enrollment required), secondary rental car insurance, fraud protection, and authorized users for no additional annual fee (rates & fees).

Citi Double Cash® Card

Citi Double Cash® Card
U.P. Rating 
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Learn More(at our partner's secure site)
Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash back
$0
0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Fair to Excellent (580-850)

The Citi Double Cash® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros
  • Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
  • Flexible redemption options
  • No annual fee
Cons
  • No bonus categories
  • 3% foreign transaction fees
  • Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Citi Double Cash® Card Travel Portal Limited Time Offer: Earn a total of 5 ThankYou Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi TravelSM portal on ThankYou.com or by calling 1-800-Thankyou and saying “Travel.” Offer is valid through 11:59 PM Eastern Time (ET) 12/31/2024.
Financial Snapshot
  • APR: 0% Intro APR for 18 months on balance transfers, then 19.24% - 29.24% Variable
  • Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase
Rewards Center

Citi ThankYou Rewards

The Double Cash card happens to be one of Citi’s most popular credit cards. There’s no welcome bonus, but there’s a 0% introductory APR on balance transfers, which can help you consolidate existing high-interest credit card debt to avoid continuing to accrue interest.

This card earns 2% cash-back (1% when you buy and 1% when you pay, earned as ThankYou Points), making it a fantastic rewards credit card for all purchases.

The best part is that you can transfer these points to a huge list of partners like Emirates and Singapore Airlines if you also happen to have a card like the Citi Strata Premier℠ Card or Citi Prestige® Card. That means your 2% cash-back can become a 3.2% return on spending.

The Double Cash card also gets you access to Citi Entertainment, fraud alerts, contactless payments, and zero liability fraud protection for unauthorized charges. Authorized users can also be added for no additional annual fee.

Why We Like Earning Citi ThankYou Rewards Points

Although the Double Cash card’s rewards are ThankYou Points, these can only be transferred to a tiny list of partners like JetBlue or Choice Privileges, unless you also have a ThankYou Rewards credit card like the Citi Strata Premier card. After that, you can access the full list of transfer partners.

If so, you stand to earn a 3.2% return on spending with the Double Cash card, which is awesome for a card without an annual fee.

You’ll get the best value from these points by transferring your points to partners for reward travel. But if that doesn’t suit your tastes, you can use points for a lower value on cash-back, statement credits, gift cards, online shopping, and more.

Final Thoughts

Planning your wedding and honeymoon often comes with a lot of expenses. Making the most of those expenses with a good travel rewards credit card is a smart way to earn lots of bonus points or cash-back for every dollar you spend.

Whether you want to earn as much cash-back as possible or earn perks for your honeymoon hotel stay, there is a travel rewards credit card that can help you out.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

For the purchase protection and extended warranty benefits of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. For the cell phone protection benefit of The Platinum Card® from American Express, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company. 

For the purchase protection and extended warranty benefits of the American Express® Gold Card, eligibility and benefit level varies by card. Terms, conditions and limitations apply. Visit americanexpress.com/benefitsguide for more details.

The information for the Citi Prestige® Card has been collected independently by Upgraded Points and not provided nor reviewed by the issuer.

For rates and fees of The Platinum Card® from American Express, click here.
For rates and fees of the American Express® Gold Card, click here.
For rates and fees of the Blue Cash Everyday® from American Express, click here.

Frequently Asked Questions

Can you pay for a wedding with a credit card?

Yes, most vendors will be happy to take a credit card. The more wedding expenses you can put on a credit card, the more rewards points or cash-back you will be able to earn. Just be sure to pay off your bill in full each month to avoid hefty interest fees.

What is the best credit card for couples?

There are lots of great credit cards out there for couples. To choose the best one, you should know what your goals are. If you want a card that earns flexible points, look at a card like the Chase Sapphire Preferred card. If you would prefer cash-back, check out a card like the Freedom Unlimited card, which has great bonus categories and earns 1.5% cash-back on all purchases outside of those categories.

What's the best credit card for newlyweds?

There are lots of great credit cards out there for newlyweds. Look for a card that earns bonus points on categories you will use often. The Amex Gold card earns 4x points on categories like restaurants worldwide and U.S. supermarkets, and even comes with up to $120 in annual dining credit.

What are the best credit cards for weddings and honeymoons?

Our favorite cards for weddings and honeymoons are the Amex Platinum card, Capital One Venture X card, Chase Sapphire Preferred card, Freedom Unlimited card, Amex Gold card, Chase Sapphire Reserve card, Amex Blue Cash Everyday card, and Double Cash card.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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